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We are here for you to provide the important Recent and Latest Current Affairs 6 November  2025, which have unique updates of Latest Current Affairs 2025 events from all newspapers such as The Hindu, The Economic Times, PIB, Times of India, PTI, Indian Express, Business Standard and all Government official websites.

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NATIONAL AFFAIRS

Union Minister H.D.Kumaraswamy Launches 3rd Round of PLI Scheme for Speciality SteelIn November 2025, Union Minister H.D.Kumaraswamy, Ministry of Steel (MoS), has officially launched the third round of Production Linked Incentive (PLI) scheme for Specialty Steel (PLI scheme 1.2) to bolster domestic production of high-value, advanced steel products.
About PLI 1.2:
Application Window: Apply online at https://plimos.mecon.co.in
within 30 days of launch.
Eligibility: Indian-registered companies engaged in end-to-end manufacturing of notified products.
Scope: The scheme will continue to cover 22 product sub-categories, across five major product clusters.
Incentive Rate: The incentive rates will range from 4% to 15% depending on the product type and the level of value addition achieved.
Incentive Period: The incentive period will extend for five years starting FY 26, with disbursals scheduled to begin from FY 27.
Base Year: The base year for pricing has been updated to FY25 from FY20, reflecting current market conditions and input cost structures.
>>Read Full News

India’s First SiC Semiconductor Manufacturing Plant to be Set Up in Odisha
In November 2025, Chief Minister (CM) of Odisha Mohan Charan Majhi inaugurated India’s first end-to-end Silicon Carbide (SiC) semiconductor at Info Valley, Bhubaneswar, Odisha, marking a major step toward the nation’s self-reliance in semiconductor manufacturing.

• The project has been approved under the India Semiconductor Mission (ISM), Ministry of Electronics and Information Technology (MeitY).

About the SiCSem Semiconductor Project – Odisha:
Project Overview: The project, implemented by SiCSem Private Limited, a subsidiary of Archean Chemical Industries Limited, involves the establishment of an Assembly, Testing, Marking, and Packaging (ATMP) and manufacturing facility for SiC-based compound semiconductors.
Collaboration: The facility will be built by SiCSem Private Limited in collaboration with UK-based Clas -SiC Wafer Fab Ltd, marking a major milestone in India’s semiconductor and power-electronics ambitions
Total investment: Rs.2,067 crore; land allotted by Industrial Development Corporation of Odisha (IDCO) (23 acres).
Production Capacity: The facility will have an annual capacity of 60,000 SiC wafers and 96 million packaged units, and is expected to become operational by 2027–28.
Applications: The facility’s SiC-based semiconductors will be used across Electric Vehicles (EVs), defence and missile systems, railways, solar inverters, fast chargers, smart grids, and support data centres, industrial automation, and consumer appliances.

President Droupadi Murmu Addresses Uttarakhand Assembly’s Silver Jubilee Session
On November 3, 2025, Droupadi Murmu, President of India, addressed a special session of the Uttarakhand Assembly in Dehradun (Uttarakhand) to mark the state’s Silver Jubilee.

• She also graced a function, commemorating the 125th anniversary of the establishment of the Raj Bhavan in Nainital, Uttarakhand.

Uttarakhand at 25:
Growth: During her address, President Droupadi Murmu highlighted the growth of Uttarakhand in sectors such as Education and healthcare, Tourism and pilgrimage, women empowerment, and environmental conservation.
Progress Highlights: She praised Uttarakhand’s 25-year development, noting higher Human Development Index(HDI), improved literacy, and reduced maternal and infant mortality.
Background: Uttarakhand was formed on 9 November 2000, becoming the 27th state of India. It was carved out of the northwestern districts of Uttar Pradesh (UP), with an aim to address the region’s unique geographical, cultural, and developmental needs.

Janjatiya Gaurav Varsh Pakhwada 2025 Observed from November 1 to 15, 2025
The Government of India (GoI) observes Janjatiya Gaurav Varsh Pakhwada from November 1 to 15, 2025, with an aim to honour India’s rich heritage, culture, and contributions.

• The fortnight-long celebration was part of the year-long Janjatiya Gaurav Varsh, marking the 150th birth anniversary of tribal freedom fighter Bhagwan Birsa Munda, which falls on 15 November 2025.

About Janjatiya Gaurav Varsh Pakhwada :
Celebration: Prime Minister(PM) Narendra Modi announced the institutionalization of Janjatiya Gaurav Diwas on 15th November to honor Bhagwan Birsa Munda and other tribal freedom fighters.
Organizers: The celebrations were organized under the Ministry of Tribal Affairs (MoTA), under the guidance of Union Minister Jual Oram, MoTA.
Celebration across India: It includes a Career guidance programme in Andaman & Nicobar Islands, a Plantation Drive & Heritage Rally in Andhra Pradesh (AP), Particularly Vulnerable Tribal Groups (PVTG) benefit surveys, health camps, youth clubs in Jammu & Kashmir (J&K).

• Other states, including Karnataka, Nagaland, Odisha, Rajasthan, Uttar Pradesh (UP) also celebrated through various school level competitions.

INTERNATIONAL AFFAIRS

India and Denmark Launches ‘Indo-Danish Business Council’ to Strengthen Bilateral TiesIn November 2025, India and Denmark have launched the ‘Indo-Danish Business Council (IDBC)’ to enhance bilateral ties through innovation, investment, and sustainable development in Copenhagen, Denmark.

• The Council was launched by Manish Prabhat, Ambassador of India to Denmark, commemorating 75 years of diplomatic relations between India and Denmark.

About Indo-Danish Business Council (IDBC):
Aim: The IDBC aims to foster structured cooperation that drives strategic collaboration and accelerates business growth.
Expanding Partnership: The initiative builds on the India–Denmark Green Strategic Partnership, broadening collaboration into innovation, entrepreneurship, and knowledge sharing.
Focus Sector: Life Sciences, Deep Tech, Healthcare, Green Energy, Fintech, Venture Ecosystems and Sustainability.
Collaboration: The Council brings together industry leaders, entrepreneurs, investors, and policymakers to create opportunities in sectors advancing the global green and digital transition.
Leadership Structure:
Chairperson: Freddy Svane, former Danish Ambassador to India, leads IDBC in promoting sustainable growth and green international partnerships.
Co- Chairs: Sudhir Mishra, Founder of Trust Legal, and Rajat Pandey, Copenhagen-based scientist and VC, serve as Co-Chairs of IDBC.
Mentor (India Operations): Subhrangshu Kumar Neogi, an experienced communication strategist, mentors IDBC’s India operations
International Representative: Ravindra Kumar boosts the United Kingdom (UK)–India–Denmark business corridor by driving collaboration and investment through his global network.
About Denmark:
Prime Minister (PM)– Mette Frederiksen
Capital– Copenhagen
Currency– Danish Krone (DKK)

India’s top 1% grew its wealth by 62% since 2000: G20 reportIn November 2025, the Group of 20(G20) Extraordinary Committee of Independent Experts on Global Inequality under South Africa’s Presidency, published the first-ever report on inequality, titled “G20 Extraordinary Committee of Independent Experts on Global Inequality”.This report revealed that between 2000 and 2023, India’s wealthiest 1% experienced a 62% increase in their wealth.
Key Highlights of G20 Report:
Report: The report, compiled by the G20 Extraordinary Committee of Independent Experts on Global Inequality led by Nobel laureate Joseph Stiglitz, examines patterns of income and wealth disparities worldwide.
Income Inequality: Nationally, 83% of countries have high income inequality (i.e., a Gini coefficient above 0.4), accounting for 90% of the world’s population.
Wealth Inequality: Between 2000 and 2024, the richest 1% captured 41% of all new wealth, in contrast to just 1% being captured by the bottom 50%.

• Between 2000 and 2023, the richest 1% increased their share of the wealth in over half of all countries, which contain 74% of the global.
• 2.3 billion (bn) people face moderate or severe food insecurity, up by 335 million (mn) since 2019.

>>Read Full News

BANKING & FINANCE

Scapia and Federal Bank Launched ‘Family Add-on Credit Cards’ and ‘Scapia Store’ Travel Shopping PlatformIn November 2025, travel fintech Scapia, in collaboration with Federal Bank Limited, introduced a Family Add-on Credit Card feature and launched the Scapia Store, India’s first travel-focused shopping platform, further strengthening its integrated ecosystem for travel enthusiasts in India.

About Family Add-on Cards: 
Card Issuance & Control: Primary cardholders can issue up to 3 add-on cards for family members aged over 18, with the ability to set individual spending limits.
Access & Management: Each add-on user gets independent application (app) login, One-Time Password (OTP) authentication, and transaction visibility.
Rewards & Benefits: All users can earn and redeem Scapia Coins, enjoy unlimited domestic lounge access after meeting spend criteria, and get zero forex (foreign exchange) markup on international spends.
Onboarding & KYC: 100% digital process with instant virtual card issuance post-Permanent Account Number(PAN), Aadhaar, and video Know Your Customer (KYC); physical cards delivered within 5–7 days.
Liability: Credit responsibility rests with the primary cardholder.
About Scapia Store:
Feature: It features apparel, accessories, luggage, and gadgets from brands like Columbia, Daily Objects, Tripole, and Nasher Miles.
Smart Shopping: Enables destination-based browsing by travel location, season, or trip type, offering 20% cashback in Scapia Coins redeemable for future purchases or travel bookings.
About Federal Bank Limited:
Managing Director (MD) and Chief Executive Officer (CEO) – KVS Manian
Headquarters– Aluva, Kerala
Established– 1931

SBI Executes First Gold Trade as Special Category Client on IIBX
In November 2025, State Bank of India (SBI) has executed its first gold transaction as a Special Category Client (SCC) on the India International Bullion Exchange (IIBX) located at Gujarat International Finance Technology(GIFT) City, Gujarat, marking a new chapter in India’s bullion market reforms.

About SBI’s Participation in IIBX:
Objective: The initiative aims to simplify bullion import processes, enhance price transparency, and provide better market access for jewellery exporters and Micro, Small and Medium Enterprises(MSME) within a regulated trading framework.
SCC Status: Under this category, banks can directly participate in bullion trading without registering as trading members, allowing for smoother procurement and improved price discovery in the bullion market.
TCM Member: SBI became the first Indian bank to register as a Trading-cum-Clearing (TCM) Member of IIBX in 2024.
Global Trading Hub: The move also aligns with the Government’s vision to develop GIFT City as a global bullion trading hub under the International Financial Services Centers Authority (IFSCA) framework.

AWARDS & RECOGNITIONS

QS World University Rankings Asia 2026: The University of Hong Kong Tops; IIT Delhi Slips to 59thIn November 2025, the United Kingdom(UK) based global higher education analytics firm Quacquarelli Symonds (QS) released the QS World University Rankings: Asia 2026. As per the latest rankings Indian Institute of Technology (IIT)-Delhi has slipped to 59th rank and ranked first among the Indian universities with the overall score of 78.6 in 2026, compared to 44th position in 2025 and 46th in 2024.

• The University of Hong Kong(Hong Kong, Special Administrative Region, SAR) topped the list with the overall score of 100, followed by Peking University (China) (99.9) at the second place, while Nanyang Technological University(NTU) (Singapore) and National University of Singapore(NUS) shared the third place with a score of 99.

About QS World University Rankings Asia 2026:
Overview: The QS World University Rankings Asia 2026, marks the 17th edition, featuring 1,529 universities from 25 locations.
Significance: The regional ranking, focused on higher education in Asia, includes unique indicators which are not included in the global rankings, such as “Staff with a Doctorate of Philosophy (PhD)” and “Exchange Students”.
Other top 10 universities: It includes Fudan University (China) scored 98.7 in the QS Asia University Rankings 2026, ranked 6th; The Hong Kong University of Science and Technology (Hong Kong SAR) at the sixth place with the score of 98.5, City University of Hong Kong (CityUHK) (Hong Kong SAR) and the Chinese University of Hong Kong (CUHK) (Hong Kong SAR) (7th) (98.4), Tsinghua University (China) (9th) (98.3), The Hong Kong Polytechnic University (Hong Kong SAR) (10th) (97.1)
Leading Country: China has the highest representation with 394 ranked universities. It has 3 universities in the top 10; 13 in the top 50, and 25 in the top 100.
Indian Universities:India has 294 universities in the QS World University Rankings Asia 2026, including 7 Indian institutions in the top 100 such as IIT-Delhi, IISc Bangalore, IIT-Madras, IIT-Bombay, IIT-Kanpur, IIT-Kharagpur (West Bengal, WB) (77th) (73.4), University of Delhi (Delhi) (95th) (68.5).

•  Chandigarh University(Punjab), the only Indian institution in the top 10 to improve its rank, moved up to 109 in 2026 from 120 last year.

>>Read Full News

GCMMF (Amul) Ranked World’s No.1 Cooperative by ICA World Cooperative Monitor 2025In November 2025, The Gujarat Cooperative Milk Marketing Federation Ltd (GCMMF), marketed under the Amul brand, has been ranked as the world’s No. 1 cooperative based on GDP per capita performance in the International Cooperative Alliance (ICA) World Cooperative Monitor 2025. 

• This prestigious ranking was announced during the ICA Cooperative Milestones 50 (CM50) Conference held in Doha, Qatar, acknowledging Amul’s transformational role in inclusive growth, rural development, and cooperative governance.

About World Cooperative Monitor:
Developed by: The World Cooperative Monitor is prepared by the ICA with technical and research support from the European Research Institute on Cooperative and Social Enterprises (EURICSE).
Rankings: WCM provides two main ways to rank the Top 300 cooperatives and mutual enterprises

• Turnover-based ranking
• Turnover-to-GDP per capita ratio ranking

The 2025 edition: WCM 2025 financial data from the fiscal year 2023 which varies by country due to different accounting standards, generally covering April 1, 2023, to March 31, 2024.
Top-Ranked Indian Cooperatives:
GCMMF (Amul): Led global cooperatives in GDP per capita, driven by its USD 7.3 billion annual turnover, daily procurement of around 35 million litres of milk, and efficient farmer-managed operations with a strong market presence.
IFFCO: Indian Farmers Fertiliser Cooperative Limited (IFFCO) ranked second globally, serving 50 million farmers through 35,000 cooperatives, with a focus on fertiliser, digital platforms, and sustainable practices.
About International Cooperative Alliance (ICA):
President – Ariel Guarco
Headquarters – Brussels, Belgium
Established – 1895
>>Read Full News

Gurudev Sri Sri Ravi Shankar Honoured with 2025 World Leader for Peace and Security Award
In November 2025, Gurudev Sri Sri Ravi Shankar, founder of the Art of Living Foundation, has been honored with the 2025 World Leader for Peace and Security Award by the Boston Global Forum (BGF) and the AI World Society (AIWS), at Harvard University in in Cambridge, the United States of America(USA).

• The award recognizes his significant contributions to global peace-building, reconciliation, and humanitarian service

About World Leader for Peace and Security Award 2025:
Milestone: 2025 marks the 10th anniversary of the award (2015–2025), honoring world leaders who exemplify moral courage, visionary leadership, and compassion in promoting global peace and ethical progress.
Focus: The 2025 award celebrates a decade of recognizing visionary leaders who advance 21st-century peace through inner harmony, interfaith dialogue, and ethical governance.
Global Peace Initiatives: Sri Sri Ravi Shankar was honored for mediating conflicts in Colombia, Iraq, Sri Lanka, Myanmar, Venezuela, and Kashmir(Jammu & Kashmir, J&K), using dialogue and compassion to bridge divides.
Previous Recipients: Shinzō Abe, Former Prime Minister(PM) of Japan;  Angela Merkel, Former Chancellor of Germany; Ban Ki-moon, Former Secretary-General of United Nations(UN) ; Sauli Niinistö, former President of Finland; Volodymyr Zelenskyy, President of Ukraine ; and Emmanuel Macron, President of France.

APPOINTMENTS & RESIGNATIONS

S.Sankarasubramanian Elected as Chairman of FAI
In October 2025, S. Sankarasubramaniam, Managing Director (MD) and Chief Executive Officer (CEO) of Coromandel International Limited (Coromandel), a part of Murugappa Group, has been elected as the new Chairman of the Fertilizer Association of India (FAI), during the FAI Board meeting held in New Delhi, Delhi.

• He is currently the Co-Chairman of the FAI Board and Chairman of FAI’s Southern Region, taking over from Sailesh C. Mehta.
• Siba Prasad Mohanty, MD of Hindustan Urvarak & Rasayan Ltd (HURL), who earlier served as one of the two Co-Chairmen, will now serve as the sole Co-Chairman of FAI.

About S. Sankarasubramanian:
Overview: He brings over 30 years of experience in the fertilizer and agribusiness sector, particularly in the Phosphatic and Potassic (P&K) segment.
Career: In 1993, he joined the Murugappa Group and held several leadership positions. He joined Coromandel International Ltd in 2003, was appointed Chief Financial Officer (CFO) in 2011, and later took charge of the Nutrient Business in 2017.

• In August 2024, he was appointed as the Executive Director (ED) and MD & CEO of Coromandel .

Member: He is a member of the Institute of Cost & Works Accountants of India.

SCIENCE & TECHNOLOGY

Google Announced ‘Project Suncatcher’ to Develop Space-Based AI Infrastructure
In November 2025, Google LLC announced ‘Project Suncatcher,’ a research moonshot initiative to develop a space-based, solar-powered Artificial Intelligence (AI) infrastructure system using Tensor Processing Units (TPUs) aboard satellites to explore the scalability and feasibility of machine learning (ML) compute systems in low-Earth orbit (LEO).

About Project Suncatcher:
Project Overview: It aims to build a solar-powered, space-based AI infrastructure using Trillium TPUs proven to withstand up to 15 krad(Si) radiation, operating in a dawn–dusk orbit with advanced thermal radiators to manage heat in space.
Launch & Partnership: Two prototype satellites, developed with Planet Labs, will launch in early 2027 to test AI performance and optical communication systems.
Solar-powered satellites in low Earth orbit (LEO): The idea is to place satellites in a dawn–dusk sun-synchronous orbit where solar panels can generate up to 8 × the power compared to ground installations, offering near continuous energy exposure.
Communication Test: Bench-scale validation achieved 800 Gigabits per second (Gbps) each way (1.6 Terabits per second, (Tbps) total) using Dense Wavelength Division Multiplexing (DWDM)-based free-space optical links, crucial for high-speed inter-satellite communication.
Constellation & Hardware: An 81-satellite constellation (within 1 kilometer, km) will form a distributed AI network, connected by Free-Space Optical (FSO) links achieving up to tens of Tbps using DWDM technology.
Economic Outlook: Falling launch costs below USD 200/kilogram (kg) by the mid-2030s could make space-based data centers cost-competitive with Earth-based ones, supporting scalable and sustainable AI growth.

OpenAI Launches AI Benchmark ‘IndQA’ to Improve AI Reasoning across Indian Languages
On November 3, 2025, OpenAI, an Artificial Intelligence (AI) company, launched “IndQA(Indian Question Answering)”, an AI benchmark to evaluate how effectively AI models understand and reason about Indian culture and daily life in Indian languages.

About IndQA:
Languages: IndQA covers 12 languages, including Bengali, Hindi, Hinglish (a mix of hindi and English), Kannada, Marathi, Odia, Telugu, Gujarati, Malayalam, Punjab, Tamil, and English in the dataset.
Domains: Ten cultural domains such as Architecture and Design, Arts & Culture, Everyday Life, Food & Cuisine, History, Law & Ethics, Literature & Linguistics, Media & Entertainment, Religion & Spirituality, and Sports & Recreation.
Dataset: Developed with input from 261 experts, IndQA features 2,278 native questions in Indian languages, each with an English translation, grading rubric, and expert-approved ideal answer.

OBITUARY

Hinduja Group Chairman Gopichand Parmanand Hinduja Passed Away On 4 November 2025, Indian-origin British billionaire Gopichand Parmanand Hinduja, Chairman of the Hinduja Group, passed away in London, United Kingdom (UK) at the age of 85. He was born in 1940 in Karachi, British India (now in Pakistan).

About Gopichand Parmanand Hinduja:
Personal Legacy: Popularly known as ‘GP’, he was a visionary industrialist who significantly expanded the global presence of Indian business through strategic leadership and innovation.
Business Journey: Joined the family business in 1959 in Mumbai, Maharashtra and was instrumental in transforming it from a trading firm into a global conglomerate.

•  He led the acquisition of Gulf Oil in 1984 and the purchase of Ashok Leyland in 1987, marking the first major Non-Resident Indian (NRI) investment in India.

Business Expansion: Under his leadership, the Group diversified into 11 sectors including automotive, banking and finance, information technology, real estate, power, and media.
Leadership: Assumed the role of Group Chairman in May 2023 following his elder brother Srichand Hinduja’s demise.
Wealth and Recognition: In May 2025, the Hinduja family, led by Gopichand Hinduja, topped The Sunday Times Rich List 2025, for 4th successive year with a net worth of British Pound Sterling (GBP) 35.3 billion (approximately Rs 2,53,000 crore).
Academic Honours: He received an Honorary Doctor of Law from the University of Westminster(UK) and an Honorary Doctorate of Economics from Richmond College, London(UK).

Former USA Vice President Dick Cheney Passed Away at 84On November 3 2025, Former Vice President of the United States of America (USA), Richard Bruce Dick Cheney, passed away at the age of 84 in Washington, D.C., the USA. He was born on January 30, 1941 in Lincoln, Nebraska, the USA.

• He served as the 46th Vice-President of the USA under President George W. Bush from 2001 to 2009.

About Dick Cheney:
Career: He began his public service as a congressional fellow in 1968, later serving as White House Chief of Staff under President Gerald Ford (1975–77) and as a six-term USA Representative from Wyoming’s at-large district.
Secretary of Defence: Served as the USA Secretary of Defense under President George H. W. Bush, overseeing key military operations including the 1991 Gulf War.
Post-9/11 Leadership: After the 9/11 attacks, Cheney shaped USA counter-terrorism strategy under the “Cheney Doctrine,” advocating pre-emptive action and greater executive power, and played a key role in the 2003 Iraq invasion, later criticized over missing weapons of mass destruction.
Influence and Legacy: Widely regarded as one of the most powerful USA vice presidents, he shaped America’s foreign and defense policies with a strong, security-focused approach.

STATE NEWS

MP CM Dr. Mohan Yadav Inaugurates ‘PM Shri Air Tourism Helicopter Tourism Service’ on 70th Foundation Day
On November 1, 2025, Chief Minister (CM) of Madhya Pradesh (MP), Dr. Mohan Yadav, inaugurated the Pradhan Mantri (PM) Shri Aerial Tourism Helicopter Service, as part of the state’s 70th Foundation Day celebrations, at the Raja Bhoj Airport in Bhopal, MP.

• With this launch, MP became the first state in India to introduce both Air Ambulance and Helicopter Tourism Services under its intra-state air connectivity initiative.

About PM Shri Air Tourism Helicopter Tourism Service:
Service: It is the first intra-state helicopter tourism service of MP, designed to connect key pilgrimage, wildlife, and heritage destinations.
Operational Model: It is operated under a Public-Private Partnership (PPP) model, involving companies such as Trans Bharat Aviation and Jet Serve Aviation Private Limited.
Route: The helicopter routes include Indore-Ujjain-Omkareshwar; Bhopal-Madhai-Pachmarhi; and Jabalpur-Bandhavgarh-Kanha, focusing on spiritual and pilgrimage tourism, heritage and leisure tourism, and wildlife and eco-tourism.

Telangana Govt Established TAIH to Boost AI Research and Development
In November 2025, the Government of Telangana established the Telangana Artificial Intelligence Innovation Hub (TAIH) in Hyderabad, Telangana aims to boost Artificial Intelligence (AI) research and development and position Telangana among the top 20 global AI hubs by 2035.

• The initiative was unveiled by D. Sridhar Babu, Minister for Information Technology, Electronics, Communications, Industries and Commerce, Telangana.

About Telangana Artificial Intelligence Innovation Hub (TAIH):
Objective: Serve as a central platform for AI-based innovation, research, and collaboration across sectors.
Governance: Managed by a committee including

• Special Chief Secretary (Information Technology, IT)
• Commissioner of Mee Seva
• Joint Director of Emerging Technologies

Legal Structure: Established as a Section 8 company under the Companies Act, 2013.
Academic Partners: The Telangana government has partnered with several academic institutions and global technology firms, including

• International Institute of Information Technology (IIIT) Hyderabad
• Birla Institute of Technology and Science (BITS) Pilani
• Indian School of Business (ISB)
• National Academy of Legal Studies and Research (NALSAR) University of Law
• Indian Institute of Technology (IIT) Hyderabad
• Centre for Development of Advanced Computing (C-DAC)

Industry Partners: Google, Microsoft, Infosys, and Amazon.
Sectors of AI Adoption: Public service delivery, Healthcare, Transportation and Education.
e-Governance: Integrating AI into e-Governance to enhance efficiency, citizen experience, and transparency.

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